What Steps Should I Take if Involved in a Car Accident with an Uninsured or Underinsured Driver in Wesley Chapel?

Facing an accident with an uninsured or underinsured motorist presents a complex challenge, highlighting the importance of consulting a car accident attorney in Wesley Chapel. In such instances, ensuring your rights are safeguarded and exploring all avenues for compensation becomes paramount. It’s essential to remember that you’re not obligated to shield the at-fault uninsured driver from consequences. Ensuring the incident is officially recorded by the police is a critical step.

Encountering an at-fault driver without adequate insurance could mean you might not receive compensation. If you’re covered under a Florida auto insurance policy, you’ll have access to $10,000 in Personal Injury Protection (PIP) for medical expenses. While suing the at-fault driver directly is an option, collecting on a judgment can prove challenging. However, if you’ve opted for Uninsured/Underinsured Motorist (UM) coverage on your policy, this can offer a pathway to claim compensation through your insurance. Although UM coverage isn’t mandated in Florida, carrying as much as you can afford is strongly advised, as it becomes crucial under these circumstances.

If you need guidance after an accident with an uninsured driver, we can explain your options and the next steps to take.